HOMEOWNER'S INSURANCE
Whether you own or rent your home, apartment, or condo or enjoy a seasonal home, we have the right coverage for you
The first step is understanding your homeowner insurance, use the information to familiarize yourself with how your insurance policy works, and when you're ready, give us some information to get a quote personalized to your current life situation.
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Additional information, to find out how these benefit you, contact us today!
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Dwelling / Property Damage
There are many risks associated with owning a home. Fires, tree damage, pipes bursting, hail and other events. When your home suffers damage due to an unexpected event, your Property Damage coverage will cover the repairs necessary. In the event of total home destruction. Our recommendation is to have Guaranteed Replacement Cost coverage. |
Personal Liability
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result. Your homeowners policy includes Personal Liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you. |
Water Backup
Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer or sump pump. Water back-up coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump and related risks. |
Jewelry and Fine Arts Coverage
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles and other valuables have limited or no coverage and need to be insured separately. |